| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMWINS5 Filed as: AMWINS GROUP BENEFITS, LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE CO. MEDICARE SUPPLEMENT | $76K | — | $76K | 11.61% |
| LOCASCIO HADDEN & DENNIS LLC5 Filed as: LOCASCIO HADDEN & DENNIS, LLC | 250 W. 96TH STREET, SUITE 350 INDIANAPOLIS, IN 462601377 | TRANSAMERICA INSURANCE CO. MEDICARE SUPPLEMENT | $39K | — | $39K | 5.93% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | EXPRESS SCRIPTS, INC. PRESCRIPTION DRUG PLAN | $44K | — | $44K | 10.69% |
| LOCASCIO HADDEN & DENNIS LLC5 Filed as: LOCASCIO HADDEN&DENNIS, LLC | 250 W. 96TH STREET, SUITE 350 INDIANAPOLIS, IN 462601377 | EXPRESS SCRIPTS, INC. PRESCRIPTION DRUG PLAN | $9K | — | $9K | 2.16% |
| LOCASCIO HADDEN & DENNIS LLC3 Filed as: LOCASCIO HADDEN & DENNIS LLC DBA LH | 250 W 96TH ST SUITE 350 INDIANAPOLIS, IN 46260 | SUN LIFE ASSURANCE COMPANY OF CANADA | $51K | — | $51K | 14.58% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 W ERIE ST SUITE 300 CHICAGO, IL 60654 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 1.50% |
| LOCASCIO HADDEN & DENNIS LLC3 Filed as: LOCASCIO, HADDEN & DENNIS | JEFF HADDEN 250 W. 96TH ST. SUITE 350 INDIANAPOLIS, IN 46260 | DELTA DENTAL OF INDIANA | $3K | — | $3K | 3.89% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AMWINS GROUP INC. TPA | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 4725 PIEDMONT ROW DRIVE SUITE 600 CHARLOTTE, NC 28210 | $167K |
| THE HOWARD E. NYHART CO, INC. ACTUARY/ RECORDKEEPING | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Actuarial; Recordkeeping fees Service code 11 | 8415 ALLISON POINTE SUITE 300 INDIANAPOLIS, IN 46250 | $22K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 19 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 189 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 70 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 278 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TRANSAMERICA INSURANCE CO. MEDICARE SUPPLEMENT | 292 | $652K |
| Dental(2 contracts) | DELTA DENTAL OF INDIANA | 1,007 | $521K |
| Vision | ANTHEM INSURANCE COMPANIES, INC. | 1,120 | $67K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 821 | $347K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 821 | $347K |
| Prescription drug | EXPRESS SCRIPTS, INC. PRESCRIPTION DRUG PLAN | 292 | $409K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 821 | $347K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,120 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.